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Received Fairness Letter......Seeking guidance for reply

shemrock

Newbie
Mar 31, 2014
8
0
I am applicant under FSW, had renal transplant in jan 2007......now received fairness letter from visa officer inspite of the fact that in medical furtherance the nephrologist had commented:Serum Cr. normal/graft function is stable/protein in urine within normal limits/ Unlikely to undergo renal replacement therapy within 5-10 years.
Even though I have received a fairness letter. However, intent to bear the cost annexure was not attached as I have read is required to be sent by visa officer to mitigate the costs. I need experts who can guide me what to do in this case.
The following is the letter received as:-

Dear...
This refers to your application for permanent residence in Canada.



I have received a medical notification stating that you have the following medical condition or diagnosis which is in the opinion of a medical officer:



“This 41 year old applicant was diagnosed with chronic renal failure and underwent renal transplantation in January 2007. Her renal function is currently stable with serum creatinine of 0.9 mg/dl. She is taking triple immunosupression therapy of prednisolone, Mycophenolate Mofetil and Tacrolimus. These drugs are expensive and are provided at public expense in Canada.



Based upon my review of the results of this medical examination and all the reports submitted with respect to the applicant's health condition, I conclude that she has a health condition that might reasonably be expected to cause an excessive demand on health services. Specifically, her health condition might reasonably be expected to require services, the cost of which would likely exceed the average per capita costs over next 5 to 10 years. The applicant is therefore inadmissible under Section 38 (1)(c) of the Immigration and Refugee Protection Act.”



This information raises concerns that can be expected to cause excessive demands on health services in Canada.. For this reason, you may be a member of the inadmissible class under section A38(1) of the Immigration and Refugee Protection Act and your application for permanent residence could be refused.


A38(1) states that "A foreign national is inadmissible on health grounds if their health condition

(a) is likely to be a danger to public health;

(b) is likely to be a danger to public safety; or

(c) might reasonably be expected to cause excessive demand on health or social services.”


Before I make my final decision, you may submit additional information or documents relating to the above medical condition, diagnosis or opinion.

You have until May 31, 2014 to submit additional information to our office. Please ensure that you quote the application number, indicated at the top of this letter on any information you submit. We will then forward the information to the appropriate medical officer who will review the material and advise us of their conclusions.


You are responsible for any fees charged by doctors or other professionals you consult as a result of this opportunity to submit new information.

You must provide any additional information within sixty days of the date of this letter. If you choose not to respond with additional information, a decision will be rendered in your application based on the information before us.



Sincerely,





Visa Officer

========================================================================================================





.



A DESCRIPTION OF RELEVANT PASSAGES



IMMIGRATION AND REFUGEE PROTECTION REGULATIONS





Section 1(1) : The definitions in this subsection apply in the Act and in these Regulations.



“Excessive demand” means



(a) a demand on health services or social services for which the anticipated costs would likely exceed average Canadian per capita health services and social services costs over a period of five consecutive years immediately following the most recent medical examination required by these Regulations, unless there is evidence that significant costs are likely to be incurred beyond that period, in which case the period is no more than 10 consecutive years; or



(b) a demand on health services or social services that would add to existing waiting lists and would increase the rate of mortality and morbidity in Canada as a result of the denial or delay in the provision of those services to Canadian citizens or permanent residents.





“health services” means any health services for which the majority of the funds are contributed by governments, including the services of family physicians, medical specialists, nurses, chiropractors and physiotherapists, laboratory services and the supply of pharmaceutical or hospital care.





“social services” means any social services such as home care, specialized residence and residential services, special education services, social and vocational rehabilitation services, personal support services and the provision of devices related to those services,



(a) that are intended to assist a person in functioning physically, emotionally, socially, psychologically or vocationally; and



(b) for which the majority of the funding, including funding that provides direct or indirect financial support to an assisted person, is contributed by governments, either directly or through publicly-funded agencies.
 

securer

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Mar 21, 2014
269
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Tacloban City, Leyte, Philippines
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nurse
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AOR Received.
April 21, 2014 but file opened march 17, 2014
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with the file
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soon
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waived hopefully
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soon
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soon
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hopefully this year
shemrock said:
I am applicant under FSW, had renal transplant in jan 2007......now received fairness letter from visa officer inspite of the fact that in medical furtherance the nephrologist had commented:Serum Cr. normal/graft function is stable/protein in urine within normal limits/ Unlikely to undergo renal replacement therapy within 5-10 years.
Even though I have received a fairness letter. However, intent to bear the cost annexure was not attached as I have read is required to be sent by visa officer to mitigate the costs. I need experts who can guide me what to do in this case.
The following is the letter received as:-

Dear...
This refers to your application for permanent residence in Canada.



I have received a medical notification stating that you have the following medical condition or diagnosis which is in the opinion of a medical officer:



“This 41 year old applicant was diagnosed with chronic renal failure and underwent renal transplantation in January 2007. Her renal function is currently stable with serum creatinine of 0.9 mg/dl. She is taking triple immunosupression therapy of prednisolone, Mycophenolate Mofetil and Tacrolimus. These drugs are expensive and are provided at public expense in Canada.



Based upon my review of the results of this medical examination and all the reports submitted with respect to the applicant's health condition, I conclude that she has a health condition that might reasonably be expected to cause an excessive demand on health services. Specifically, her health condition might reasonably be expected to require services, the cost of which would likely exceed the average per capita costs over next 5 to 10 years. The applicant is therefore inadmissible under Section 38 (1)(c) of the Immigration and Refugee Protection Act.”



This information raises concerns that can be expected to cause excessive demands on health services in Canada.. For this reason, you may be a member of the inadmissible class under section A38(1) of the Immigration and Refugee Protection Act and your application for permanent residence could be refused.


A38(1) states that "A foreign national is inadmissible on health grounds if their health condition

(a) is likely to be a danger to public health;

(b) is likely to be a danger to public safety; or

(c) might reasonably be expected to cause excessive demand on health or social services.”


Before I make my final decision, you may submit additional information or documents relating to the above medical condition, diagnosis or opinion.

You have until May 31, 2014 to submit additional information to our office. Please ensure that you quote the application number, indicated at the top of this letter on any information you submit. We will then forward the information to the appropriate medical officer who will review the material and advise us of their conclusions.


You are responsible for any fees charged by doctors or other professionals you consult as a result of this opportunity to submit new information.

You must provide any additional information within sixty days of the date of this letter. If you choose not to respond with additional information, a decision will be rendered in your application based on the information before us.



Sincerely,





Visa Officer

========================================================================================================





.



A DESCRIPTION OF RELEVANT PASSAGES



IMMIGRATION AND REFUGEE PROTECTION REGULATIONS





Section 1(1) : The definitions in this subsection apply in the Act and in these Regulations.



“Excessive demand” means



(a) a demand on health services or social services for which the anticipated costs would likely exceed average Canadian per capita health services and social services costs over a period of five consecutive years immediately following the most recent medical examination required by these Regulations, unless there is evidence that significant costs are likely to be incurred beyond that period, in which case the period is no more than 10 consecutive years; or



(b) a demand on health services or social services that would add to existing waiting lists and would increase the rate of mortality and morbidity in Canada as a result of the denial or delay in the provision of those services to Canadian citizens or permanent residents.





“health services” means any health services for which the majority of the funds are contributed by governments, including the services of family physicians, medical specialists, nurses, chiropractors and physiotherapists, laboratory services and the supply of pharmaceutical or hospital care.





“social services” means any social services such as home care, specialized residence and residential services, special education services, social and vocational rehabilitation services, personal support services and the provision of devices related to those services,



(a) that are intended to assist a person in functioning physically, emotionally, socially, psychologically or vocationally; and



(b) for which the majority of the funding, including funding that provides direct or indirect financial support to an assisted person, is contributed by governments, either directly or through publicly-funded agencies.
let's wait for sir conrad. :)
 

shemrock

Newbie
Mar 31, 2014
8
0
Thanks for the same.
May I know who is sir conrad......
How can i reach computergeek/Qorax/PMM or any other experts in the issue of medical inadmissibility.
waiting for your response.

Regards
Shemrock
 

salem10

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20-06-2015
hello,
I have application pending under FSWP; my time line is shown on the left. My question is as follow:

How long CIC takes to assess fairness letter response?

I have sent them my response in Oct 16, 2013. I can see on my file notes that my case officer sent request to health branch to assess my reponse, but on notes printed in March 20, 2014, no update.

I wonder why the case officer sent it back to health branch as of my response doesn't have challenge from medical side. All of my response is related to financial side and re-calculation of their estimate.

Also, I can see on my notes, that my current medical expires on May 08, 2014. It has been extended one year before. The last medical done was on May 2012.
 

salem10

Hero Member
Jul 6, 2010
438
75
Ontario, since 2006
Visa Office......
Buffalo
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0711/4131/4121
Pre-Assessed..
Yes
App. Filed.......
10-05-2010
Doc's Request.
Nov 02, 2010
AOR Received.
May 19, 2011 from buffalo
IELTS Request
submitted writtin sample (accepted)
Med's Request
April 14, 2012
Med's Done....
June 10, 2011, again in May 02, 2012 -medical furtherance June29-2012
Interview........
waived
Passport Req..
Waiting
VISA ISSUED...
Waiting
LANDED..........
20-06-2015
shemrock said:
hello salem
what was your medical objection and how did you respond.
kindly advise me too.
regards
In my case, my child has development dely. They asked for cognitive assessment, then sent me fairness letter. I sent my response in Oct 16. No, response from them till today. I have other posts describe more detail. Search on my other posts.
 

computergeek

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Jan 31, 2012
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Med's Done....
11-02-2012
Interview........
Waived
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26-09-2012
VISA ISSUED...
10-10-2012
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13-10-2012
This letter does not meet the requirements of OP 15. You should quote the relevant section of OP 15 back as a response to the visa office: they are supposed to provide you with estimated costs that have permitted them to reach this decision.

In addition, you should also order your medical case notes - not the usual electronic case notes, but the medical records because that may contain additional information and insight into how the medical officer reached that conclusion.

Since they didn't provide you with cost estimates for these drugs, I would suggest that you determine them on your own. The best source of information I know of is published by Quebec (https://www.prod.ramq.gouv.qc.ca/DPI/PO/Commun/PDF/Liste_Med/Liste_Med/liste_med_cor1_2014_04_24_en.pdf) as this is the price that they pay and it seems to be similar to costs in other provinces.

I would also suggest that you ask for more time to respond to the fairness letter - 60 days (the usual time) is probably not enough time to construct a complete response. Ideally, you should contact an attorney specializing in excessive demand medical inadmissibility (I can suggest two but I won't do so publicly and your mail box is full on here).

A good response would include:

* A challenge to the medical opinion (if appropriate). In other words, if you don't need those drugs for 5-10 years, have your doctor say so. If you do need those drugs in that period, you may choose not to challenge the medical opinion

* A challenge to the blanket claim that these costs are paid for "at the public expense". Since health care is a provincial concern, not a federal one, the details here will depend upon the specifics of coverage in the province where you intend to land. For example, here in BC the formulary is quite restrictive and the provincial drug treatment program won't pay for drugs not in the formulary. I found this out in my own case after the fact - none of the drugs they claimed were paid for by Fair Pharmacare are actually covered by Fair Pharmacare.

* Mitigation plans. If you have arranged employment in Canada, find out what the group coverage includes from your employer. While you won't be able to get private coverage, group coverage is often not so restrictive. You should also include a Declaration of Ability and Intent (it's not enough by itself, but as part of a comprehensive response it says you won't use the services they claim are excessive demand and may be enough to overcome the M5 rating proposed by the medical officer). Also, review the drug coverage for the province. Do they really cover 100% of the cost? Or is there some sort of floor? If you have arranged employment then you can point to the proposed salary you have been offered to determine the amount not paid for by the provincial drug plan.

* Prospective objections - this is about lining up for a legal challenge of a refusal. This would include: (1) a request they grant you a TRP and permit you to come to Canada temporarily to show your willingness not to exploit the health care resources over that time frame - failing to consider your TRP request is sufficient to overturn the refusal; (2) Point out that because health care is the exclusive domain of the provinces in Canada, CIC could only be making this decision as an agent of the province and are thus bound by provincial non-discrimination laws (look them up - they pretty much all disallow discrimination due to disability); (3) point to the UN declaration on people with disabilities to which Canada is a signatory. This was signed after IRPA and thus woudl supersede IRPA.

Note: none of the prospective objections are likely to win your case with CIC. But by raising them now, you make them ripe for consideration by a Federal Court if you are refused (and this is where a good attorney earns their keep).

I looked up your drug costs.

Prednisolone: $95 for 100 16mg pills
Mycophenolate Mofetil: $51.55 for 100 250mg pills
Tacrolimus: $1249 for 100 5mg pills

I don't know your dosing, but you might wish to speak with your doctor to see if there is some other drug that you could use other than Tacrolimus as it seems to be likely to be driving the cost here. The Tacrolimus patent expires in 2019, at which point the cost will drop considerably (e.g., generic versions will become available). Oddly, though, I did notice that Ontario recently added a Sandoz version of Tacrolimus. I'm not sure

Cyclosporine, for example, might be an acceptable alternative and it has a cost that is vastly lower.

Mycophenolate is another alternative to Tacrolimus and appears to be potentially less expensive.

Bottom line: work with your physician. Do your homework on insurance coverage and costs.

Good luck!
 

shemrock

Newbie
Mar 31, 2014
8
0
Thanks for the reply.

I have already written to VO to send me explicit and detailed information as what and how it constitutes medical inadmissibility but he has not replied for nearly a month.

The dosage at the time of medical done and price from Qubec publishing is as:-

*Prednisolone 5 mg X 1 OD ( Found no clear price) Still I calculate $ 0.50 X 365 = 182.5
*Pangraf 1 mg X 1 BD ( Generic version of Prograf ): $2.50 per unit( means $5 X 365 days = $ 1825 ), Now the specialist has curtailed dose to 0.50 mg X 1 BD, still I calculate at previous dose)
*Myfortic 360 mg X 1 TDS) : $4.00 per unit ( means $ 12 X 365 days =$ 4380 ).
* Irbesarton 150 mg ( Found no price ) Still I calculate $ 1.00 X 365 days = $365

Therefore, total works out to be as: $7117.50 as against threshold of $ 6285 but OHIP does not bear the cost of prescription drugs and even in TDP it is available on co-payment basis.

However the cost of the said drugs as checked from online pharmacies in canada has much lower quotations (USD) as:-

NorthWestPharmacy--
Tacrolimus Generic $1.11 / Myfortic 360 mg Generic $2.11 / Prednisolone Generic $ 0.14

Online Pharmacy Canada :
Tacrolimus Generic $1.83 /Myfortic 360 mg Branded $2.54 / Prednisolone Generic $0.48

BlueSky Drug:
Tacrolimus Generic $ 1.28 / Myfortic 360 mg Branded $ 3.33/ Prednisolone Generic $ 0.25

Canada Pharmacy king :
Tacrolimus Generic $ 1.22 /Prednisolone Generic $ 0.18

Maple Leaf Meds :Myfortic 360 mg Branded $ 1.56

CanDrugStore.com :Myfortic 360 mg Branded $ 2.68

Therefore, considering generics of Tacrolimus, Prednisolone, Isbesarton and Branded Myfortic( of Novatis), the cost works out to be below $5500.




Kindly advise.
Thanks
Shemrock
 

computergeek

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The "Canadian Pharmacy" pricing is for generic drugs that are not legally importable into Canada. It's a worthy argument, but one that I suspect the VO won't accept.

So if you calculate the cost using your current dosage, you would be below the excessive demand threshold, not including the fact the drugs are not 100% covered. Ideally, you want to demonstrate that these costs would be below $5000 a year (in order to leave room for the cost of actually seeing doctors in Canada - though the Federal Court in Companioni has already said that routine monitoring cannot by itself exceed the excessive demand threshold.)

One approach here would be to take one of these Canadian pharmacies and use that as your cost estimate. Since neither the visa officer nor the medical officer has provided you with pricing data, what you present is the only evidence and thus must either be accepted or they have to provide you with the information they choose to use (so you can rebut it).

I'd combine that pricing data along with the information on the TDP to show that you fall well below the excessive demand threshold. Add in something for routine monitoring and testing (e.g., 4x visits per year @ $250 per visit, including routine lab tests) and then you have a strong argument. If the medical officer wants to sustain a claim of excessive demand, she or he must present information to the contrary, which really would require a new fairness letter.

But be prepared - CIC has a poor track record in this area and you really should be preparing for a refusal and a challenge of same.
 

jen3014

Member
Apr 1, 2014
14
1
Hi I received a fairness letter this morning and not sure what to do next. I have read some of the posts here to try get some information, but not sure if we should be contacting an immigration lawyer. I don't want to reply and discover I didn't include sufficient information.

Husband is nominated by SINP in 2012 and I am dependent. Applied to CIC in 2012, moved to Saskatchewan in 2012 on TWP as husband's employer needed him urgently. I work on an open TWP. Sat medicals in our home country in 2012 for TWP, RPRF paid in 2013 and new medical request sent & completed in March 2014. I have rheumatoid arthritis stable on medication, I work 30 hours per week do not require any social services. The fairness letter we got states that we are excessive demand as they estimate the cost of my meds to be almost $14000 per year which is over the threshold of $6327 or thereabouts. We have been claiming the cost of this using the provincial health coverage, but we do have insurance of 80% provided by my husbands insurance plan. if we get this increased to 100% cover or if my employer provides coverage for me also, will this be enough to show that I do not place excessive demand? How much information will they be looking for? And how do we stop the provincial coverage as is it not automatic? Any help or guidance would be greatly appreciated.
 

computergeek

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Jan 31, 2012
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AOR Received.
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jen3014 said:
Hi I received a fairness letter this morning and not sure what to do next. I have read some of the posts here to try get some information, but not sure if we should be contacting an immigration lawyer. I don't want to reply and discover I didn't include sufficient information.
Welcome to the nightmare of A38(1)(c) - "excessive demand medical inadmissibility". You have three options at this point:

(1) You can ignore the fairness letter; they will refuse your application.
(2) You can hire an attorney to help you compose a response and lay the groundwork for a legal challenge should they refuse you. This option will cost between $3-5k most likely.
(3) You can educate yourself on the process and prepare a response to the fairness letter. If so, you should expect to spend 50-100 hours reading, learning how the process works, and preparing your response. There may still be some costs associated with this.

jen3014 said:
Husband is nominated by SINP in 2012 and I am dependent. Applied to CIC in 2012, moved to Saskatchewan in 2012 on TWP as husband's employer needed him urgently. I work on an open TWP. Sat medicals in our home country in 2012 for TWP, RPRF paid in 2013 and new medical request sent & completed in March 2014. I have rheumatoid arthritis stable on medication, I work 30 hours per week do not require any social services. The fairness letter we got states that we are excessive demand as they estimate the cost of my meds to be almost $14000 per year which is over the threshold of $6327 or thereabouts. We have been claiming the cost of this using the provincial health coverage, but we do have insurance of 80% provided by my husbands insurance plan. if we get this increased to 100% cover or if my employer provides coverage for me also, will this be enough to show that I do not place excessive demand? How much information will they be looking for? And how do we stop the provincial coverage as is it not automatic? Any help or guidance would be greatly appreciated.
As I recall, the threshold is $6285, though it is due to be revised (that value is rather old). You are fortunate that they provided you with a cost estimate.

First, you should confirm that this is the actual cost of the medication. I've found that CIC often does not have accurate cost information. The best source of this I've found is actually the Quebec formulary, which lists the prices that Quebec pays for such drugs.

A fairness response can take several approaches:

* You can challenge the medical diagnosis. This could include their claim you have the condition as well as their estimate of the treatment and/or costs required.
* You can present a mitigation plan. This would be where you present evidence of insurance. Of course, it is far more convincing if you show that your insurance is already actively paying for the drugs rather than them being provided by the province. As part of a mitigation plan you should include a declaration of ability and intent. There is a sample of this in OP 15 (from the CIC website) as I recall.
* You can set up arguments that would provide fodder for challenging a refusal. For example, it is best practice to request a TRP to overcome the inadmissibility (there's a $200 per person fee for that application and there's no formal form for it - you have to explain why you should be granted a TRP). While a TRP won't give you PR, after three years you can apply for PR in the "permit holder's class" and they cannot refuse you on the grounds for which the TRP was granted. Other arguments relate to the violation of Charter rights (you have a disability) and the obligations that Canada has undertaken as a signatory to the UN Convention on the rights of people with disabilities. There's an argument that the entire section is itself ultra vires (which means the Canadian Federal Government has no right to make such decisions) because health care belongs to the provinces exclusively. I've also argued that the very mathematical basis is suspect: they use the average Canadian costs, but they use the maximum costs in your group - because you will BOTH be deemed inadmissible. Thus, the argument is that the excessive demand threshold is really $6285 times the number of people in the application. In your case that isn't sufficient anyway, but these are the kinds of arguments that can be included.

Most important: don't panic. If you aren't comfortable doing this on you own get an attorney. This is a HIGHLY specialized area though and there are only two that I can directly recommend because both have won significant decisions in Federal Court in this area (CIC doesn't do so well in Federal Court on cases similar to yours).
 
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jen3014

Member
Apr 1, 2014
14
1
Thanks so much for your reply. I think the 3rd option of educating ourselves and trying to prepare a response ourselves is the best option. We have good support from both our employers, and contacts in provincial immigration and have been in touch with our MP and MLAs. Any help or advice from you is greatly appreciated as well.
I've been doing some researching and reading online myself already. The threshold was updated on June 9th 2014 to $6327 and this was quoted on our letter, not that a $42 increase makes a difference!

As I've been living in Saskatchewan since 2012, they have underestimated the cost based on what's on my pharmacy receipts here. CIC quoted me $13975 and it's more in the region of $22,000. Do I need to correct them do you think or just go with their estimation?

I don't think I can challenge the diagnosis/cost of treatment. The letter specifically mentioned the cost of this drug, despite the fact that I take other medication but they have not mentioned that. So I'm worried giving too much information, might draw more attention to my case and give them more reasons to find me inadmissable.

We have been claiming the cost of this drug on the provincial plan up to this, as we did not know any different. They cover us 98% and then my insurance company covers 80% of the remaining 2%. I know that that goes against us, so I have contacted the provincial health to see if I can be removed from this "special support" program.

I've been looking online today at the different court cases there have been for medical inadmissibility and what concerns me is the findings in some cases which state "it is not possible to enforce a personal undertaking to pay for health services that may be required after a person has been admitted to Canada as a permanent resident, if the services are available without payment. The Minister has no power to admit a person as a permanent resident on the condition that the person either does not make a claim on the health insurance plans in the provinces, or promises to reimburse the costs of any services required."

This worries me in that even if we submit proof of multiple insurance cover, and how we had insurance cover in place prior to arriving in Canada in the first place that we will still get refused on the basis that they cannot enforce our undertaking to pay for health services?

However, I can't find any information about medically inadmissible provincial nominees. If the province is willing to support us, then what does it matter? We are getting letters of support from my husbands employer and the SINP, as my husband's skills and abilities are beneficial to the province and we wondered if we argue that this benefit far outweigh any costs incurred by me. Equally he hasn't even been to a doctor here once yet, so I think I'm well entitled to his $6327 as well! In our reply should we mention a TRP or wait until we get a letter of refusal?


Thanks again for any insight or advice, truly appreciated!
 

scylla

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jen3014 said:
I've been looking online today at the different court cases there have been for medical inadmissibility and what concerns me is the findings in some cases which state "it is not possible to enforce a personal undertaking to pay for health services that may be required after a person has been admitted to Canada as a permanent resident, if the services are available without payment. The Minister has no power to admit a person as a permanent resident on the condition that the person either does not make a claim on the health insurance plans in the provinces, or promises to reimburse the costs of any services required."

This worries me in that even if we submit proof of multiple insurance cover, and how we had insurance cover in place prior to arriving in Canada in the first place that we will still get refused on the basis that they cannot enforce our undertaking to pay for health services?
You're absolutely right. There's nothing preventing you from doing this (i.e. showing you have insurance coverage and then using the provincial health care system all the same once you arrive). This is why this particular argument often doesn't hold much water - but give it a try all the same. I would not correct CIC on the pharmacy receipts. Go with their quote since it's in your favour. I don't think you should be mentioning a TRP in your response. This is something you would only go for in the event you're refused. Good luck - hope things work out for you.
 

computergeek

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13-10-2012
scylla said:
I don't think you should be mentioning a TRP in your response. This is something you would only go for in the event you're refused.
Actually, there is a legal reason for doing so. See: http://canlii.ca/t/1vvbd

In my own fairness response, we also requested that the visa officer consider a TRP should she determine that I was inadmissible. She never mentioned this and by itself that would have been sufficient grounds for overturning a refusal.

I agree that personal promises to pay don't hold much weight. Third party provided insurance policies have much greater weight - in my case I had a group plan through my company, a personal plan that covered many things, and a PHSP (a tax advantaged plan for paying for any medical expenses, including the premiums of the personal policy). I also submitted a declaration of ability and intent (to which I continue to adhere, as it was submitted unconditionally, even though I was refused).

Companioni (http://canlii.ca/t/2795j) actually explicitly lists insurance as being an important consideration.

OP 15 (http://www.cic.gc.ca/english/resources/manuals/op/op15-eng.pdf) provides a detailed description of this process and also includes links to relevant case law.

In the end, I reached the conclusion that my application for judicial review was likely to be granted - in the Sapru decision (which is an appellate decision) the FCA overturned the CIC decision because the visa office had "filled in" reasons for the medical officer. In my case, the visa officer hadn't even bothered. It was far more defective than Sapru was. Thus, rather than lose, they permitted my second application to be rapidly approved (bypassing the entire protocol laid out in OP 15!)
 
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